Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other.
No risks identified.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS. Shaded region = analyst consensus for the current and next fiscal year (9 analysts).
| Parameter | BaseValue |
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Initial Cash Flow | |
| Growth Rate (Yr 1-5) | % |
| Growth Rate (Yr 6-10) | % |
| Terminal Growth Rate | % |
| Discount Rate | % |
Base Case $140.57 Implied EV: $10.10B |
What growth rate is the market pricing in at $126?
The market implies +7.7% Owner Earnings growth, roughly in line with history — reasonably priced.
Standard FCF implies +10.4%, reflecting ongoing growth investment.
Wide moat with strength across all dimensions. Revenue Predictability is the standout factor.
"Market is pessimistic — investigate whether fears are temporary or structural"
Near fair value but market is fearful — conditions may present an opportunity if fear is temporary
